Need Help Rebalancing - updated

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jammer45
Posts: 25
Joined: Sat Mar 05, 2011 12:30 am

Need Help Rebalancing - updated

Post by jammer45 » Tue Mar 13, 2018 3:53 am

ok, aside from all my other dumb questions.....since someone asked....how do I attach a spreadsheet? Are attachments enabled on this sub-board?

updates: Apologies for my learning curve and many thanks for the lessons and comments so far! I've attached a spreadsheet, *I think*, added the ER's, totaled everything to 100%. Any suggestions on how to paste here so that columns or tabs are maintained for orderliness are welcome. I tried Word, but that didn't work well.

I will have more pointed questions by the end of the weekend and a suggested allocation to stress test based on comments and reading so far.

Emergency funds: 6 months
Debt: Primary Residence - 3.375% ; 2 Rentals - 3.5%; 4.625%
Tax Filing Status: Married
Tax Rate: 28% Federal, 9.9% State
State of Residence: oregon
Age: 51
Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 40% of stocks

Taxable - Cash (currently invested in real estate) 15.11%
9this plus a 529 not shown = basis for college funds for 2 children 7 & 12
percentage listed to understand rough size of funds. 529 about 25% size of Cash)

Current retirement assets Percentage of Portfolio


His Non-Qualified (No Match) 39.48%
Name Asset Class Category % Invested ER
BTC US DEBT Bond Investments Intermediate-Term 28.07% 0.03%
VANG INST INDEX PLUS  (VIIIX) Stock Investments Large Blend 23.89% 0.02%
FID LOW PR STK POOL  Stock Investments Mid-Cap Blend 10.01% 0.48%
MONDRIAN INTL EQUITY  (DPIEX) Stock Investments Foreign 8.01% 0.85%
AF EUROPAC GROWTH R6  (RERGX) Stock Investments Foreign 7.99% 0.50%
LAZARD EMERG MKTS EQ  Stock Investments Diversfd Emerging Mkts 6.03% 0.83%
BTC RUSSELL 2500  Stock Investments Small Blend 5.98% 0.04%
GAMCO GOLD AAA  (GOLDX) Stock Investments Specialty 4.02% 1.51%
VANG INFL PROT INST  (VIPIX) Bond Investments Intermed Government 4.01% 0.07%
STABLE VALUE FUND Bond Investments Stable Value 2.00% 0.32%

100.01%

His Company Contribution Plan 14.79%
Name Asset Class Category % Invested ER
BTC US DEBT Bond Investments Intermediate-Term 32.11% 0.03%
VANG INST INDEX PLUS  (VIIIX) Stock Investments Large Cap Blend 27.90% 0.02%
BTC ACWI EX US IMI Stock Investments Foreign 22.02% 0.10%
BTC RUSSELL 2500 Stock Investments Small Cap Blend 15.96% 0.03%
RC STABLE VALUE Bond Investments Stable Value 2.01% 0.34%

100.00%

His 401k (Brokerage Link Available) 23.02%
Name Asset Class Category % Invested ER
FDRXX - Fidelity Gov't Cash Reserves Money market taxable 78.20% 0.37%
TUR - iShares MsCI Turkey ETF Equity Core or Blend Equity ETF 3.79% 0.62%
VGENX - Vanguard Energy Fund Equity Energy 10.44% 0.41%
VGPMX - Vanguard Precious Metals Equity Precious metals 4.50% 0.43%
OXPU - BlackRock us Debt index Fund Bond Investments Intermediate-Term 3.08% 0.03%

His Traditional IRA at Fidelity 0.82%
Cash

His Roth IRA at Fidelity 0.24%
Cash

Various individual stock (see spreadsheet) 6.54%


Investment Portfolio Total 100%

Questions:
Doing a rebalance. I would like to consolidate & properly place. As stated, yes I know the above is chaotic. Suggestions welcome ;-)
I moved the 401K to cash and wanted to re-enter the market. Thinking right now is DCA over a year to manage my anxiety.
What lazy portfolio would best complement the above mix from Blooom? Since I have outside Real Estate, I want to avoid REIT's and just move forward with a 3 or 4 fund portfolio here. Suggestions, based on above available vehicles to get close to 30% FSTVX, 30% FTIPX, 40% FSITX welcome. Or alternatives?
I'm holding other cash in the taxable account to build a house and will need aproximately 20% per month for the next 5 to build. What's a good place to park the funds given the disbursement schedule?
I have almost zero time and this is taking a lot of it with the reading, aggregating etc. I consulted a Garrett planner who is about $3700 to analyze my retirement status, restructure all of the portfolios and help implement a plan. Is that inline w/ what's above price wise? Is it worth it, given the limited options in the Non qual and Contribution accounts? I imagine folks here will say no, but asking anyway.


His Non-Qualified Plan Options
Instrument Own? Asset Class Category ER Notes
TARGET DATE 205007/01/2011 Blended Fund Investments* N/A 0.83%
TARGET DATE INCOME04/27/2004 Blended Fund Investments* N/A 0.82%
 STABLE VALUE FUND03/31/1990 Y Bond Investments Stable Value 0.32%
FID CONTRAFUND (FCNTX)05/17/1967 Stock Investments Large Growth 0.74%
FID GR CO POOL CL 212/13/2013 Stock Investments Large Growth 0.38%
VANG GRTH INDEX INST (VIGIX)11/02/1992 Stock Investments Large Growth 0.05%
DODGE & COX STOCK (DODGX)01/04/1965 Stock Investments Large Blend 0.52%
 VANG INST INDEX PLUS (VIIIX)07/31/1990 Y Stock Investments Large Blend 0.02%
 FID LOW PR STK POOL03/14/2014 y Stock Investments Mid-Cap Blend 0.48%
VANG SM GR IDX INST (VSGIX)05/21/1998 Stock Investments Small Growth 0.06%
AM CENT SM CAP VAL I (ACVIX)07/31/1998 Stock Investments Small Blend 1.05%
 BTC RUSSELL 250009/30/2008 y Stock Investments Small Blend 0.04%
 AF EUROPAC GROWTH R6 (RERGX)04/16/1984 y Stock Investments Foreign 0.50%
 MONDRIAN INTL EQUITY (DPIEX)02/04/1992 y Stock Investments Foreign 0.85%
 GAMCO GOLD AAA (GOLDX)07/11/1994 y Stock Investments Specialty 1.51% Short term trading fees of 2% for fee eligible shares held less than 7 days.
 LAZARD EMERG MKTS EQ08/31/2006 y Stock Investments Diversfd Emerging Mkts 0.83%
INTEL HEDGE FUND04/30/2007 Stock Investments Multisector --
 VANG INFL PROT INST (VIPIX)06/29/2000 y Bond Investments Intermed Government 0.07%
VANG INTM TREAS ADM (VFIUX)10/28/1991 Bond Investments Intermed Government 0.10%
 BTC US DEBT06/06/1996 Y Bond Investments Intermediate-Term 0.03%
FID CAPITAL & INCOME (FAGIX)11/01/1977 Bond Investments High-Yield 0.73%
PIM EM MKTS BD INST (PEBIX)07/31/1997 Bond Investments International 0.83%
INV GOVT & AGCY PRT (AGPXX)09/01/19987 day yield as of02/28/2018   1.30% Short-Term/Other N/A 0.15%


His Company Contribution Plan Options
Instrument Own? Asset Class Category ER Notes
RC TARGET DATE 205501/01/2015 Blended Fund Investments* Asset Allocation 0.87%
RC TGT DATE INCOME12/15/2006 Blended Fund Investments* Asset Allocation 0.84%
FID GR CO POOL CL 212/13/2013 Stock Investments Large Cap Growth 0.38%
 VANG INST INDEX PLUS (VIIIX)07/31/1990 Y Stock Investments Large Cap Blend 0.02%
DODGE & COX STOCK (DODGX)01/04/1965 Stock Investments Large Cap Value 0.52%
FID LOW PR STK POOL03/14/2014 Stock Investments Mid-Cap Value 0.48%
 BTC RUSSELL 250006/06/1996 Y Stock Investments Small Cap Blend 0.03%
AF EUROPAC GROWTH R6 (RERGX)04/16/1984 Stock Investments Foreign 0.50%
 BTC ACWI EX US IMI02/28/2011 Y Stock Investments Foreign 0.10%
 BTC US DEBT09/30/2008 Y Bond Investments Intermediate-Term 0.03%
 RC STABLE VALUE03/31/1990 Y Bond Investments Stable Value 0.34%
INV GOVT & AGCY PRT (AGPXX)09/01/19987 day yield as of02/28/2018   1.30% Short-Term/Other N/A 0.15%
GLOBAL DIVERSIFIED12/31/1988 Blended Fund Investments* World 1.58%


His 401k Options - Also have a brokerage window, so maximum flexibility here
Instrument Own? Asset Class Category ER Notes
TARGET DATE 205507/31/2013 Blended Fund Investments* Asset Allocation 0.86%
TARGET DATE INCOME04/27/2004 Blended Fund Investments* Asset Allocation 0.82%
FID GR CO POOL CL 212/13/2013 Stock Investments Large Cap Growth 0.38%
VANG INST INDEX PLUS (VIIIX)07/31/1990 Stock Investments Large Cap Blend 0.02%
DODGE & COX STOCK (DODGX)01/04/1965 Stock Investments Large Cap Value 0.52%
FID LOW PR STK POOL03/14/2014 Stock Investments Mid-Cap Value 0.48%
BTC RUSSELL 250009/30/2008 Stock Investments Small Cap Blend 0.04%
AF EUROPAC GROWTH R6 (RERGX)04/16/1984 Stock Investments Foreign 0.50%
BTC ACWI EX US IMI02/28/2011 Stock Investments Foreign 0.12%
 BTC US DEBT06/06/1996 Y Bond Investments Intermediate-Term 0.03%
STABLE VALUE FUND03/31/1990 Bond Investments Stable Value 0.32%
INV GOVT & AGCY PRT (AGPXX)09/01/19987 day yield as of02/28/2018   1.30% Short-Term/Other Short Government 0.15%

Many Thanks for reading!!!
Last edited by jammer45 on Wed Mar 14, 2018 2:38 am, edited 2 times in total.

AlohaJoe
Posts: 3687
Joined: Mon Nov 26, 2007 2:00 pm
Location: Saigon, Vietnam

Re: Need Help Rebalancing

Post by AlohaJoe » Tue Mar 13, 2018 6:12 am

jammer45 wrote:
Tue Mar 13, 2018 3:53 am
- Do folks see any room for improvement on the allocations in the Non Qualified and Contribution accounts above? These come from Blooom, so based on lowest cost diversified alternatives across stock, bond, commodities mix domestic and international.
I think the asset allocation you've posted is not something I would ever choose and not something that 99% of this forum would ever recommend. Lots of funds. The percentages don't add up to 100%. Some funds only have 2% or 4% or 6% in them?
What's the best way? 1/4 per quarter for the next 4? Or wait til a drawdown?
You've been a member 7 years and have never seen another person post "should I wait for a correction before I invest"? :sharebeer
- What lazy portfolio would best complement the above mix from Blooom?
It is very difficult for anyone to tell what your actual asset allocation is from the above list of funds. They'd need to enter them all into a spreadsheet, assign asset classes to them, and then see where you actually stand. I'm lazy but some other Bogleheads might be willing to take up that challenge. But to get more feedback, you might want to do that yourself and post it to this thread. Looking at your list of funds I have no idea what percentage of your overall portfolio is in, say, US equities.
I'm holding other cash in the taxable account to build a house and will need approximately 20% per month for the next 5 to build. What's a good place to park the funds given the disbursement schedule?
You're going to need 20% per month for the next 5 months? I'd just keep it in a regular checking account. I mean, you could set up a CD ladder if you really wanted to eke out another few hundred dollars.
I have almost zero time and this is taking a lot of it with the reading, aggregating etc. I consulted a Garrett planner who is about $3700 to analyze my retirement status, restructure all of the accounts and help implement a plan. Is that inline w/ what's above price wise? Is it worth it, given the limited options in the Non qual and Contribution accounts?
I don't know what a Garrett planner actually helps you with, so it is hard to say whether $3,700 is worth it. All of us make tradeoffs about when we spend money and when we spend time. For $3,700, though, I could hire someone to perform a lot of other tasks in my life -- grocery shopping, cleaning, maintaining my garden, etc -- freeing up time to read some books about financial planning.

TwstdSista
Posts: 984
Joined: Thu Nov 16, 2017 4:03 am

Re: Need Help Rebalancing

Post by TwstdSista » Tue Mar 13, 2018 6:19 am

I see a lot of overlap, and honestly a lot of chaos. Maybe start by ditching or combining any positions under 5%. And dropping those high expense ratio funds. And the sector funds. Etc. Basically, simplify. Unless you enjoy tracking all of that....

Jack FFR1846
Posts: 7631
Joined: Tue Dec 31, 2013 7:05 am

Re: Need Help Rebalancing

Post by Jack FFR1846 » Tue Mar 13, 2018 7:07 am

jammer45 wrote:
Tue Mar 13, 2018 3:53 am


Current retirement assets
Account's % of Portfolio / % of assets in Account / ER

Taxable Cash 15%

His Non-Qualified (No Match) 40%
RERGX 8.00%
American Funds Europacific Growth ER-0.50%
UXPV 6.00%
BlackRock Russell 2500<sup>&reg;</sup> Index Fund ER-0.04%
UXPU 28.00%
BlackRock U.S. Debt Index Fund ER-0.03%
10.00%
Fidelity LowPriced Stock Commongled Pl ER-0.48%
GOLDX 4.00%
Gabelli Gold AAA ER-1.51%
UJWS 6.00%
Lazard Emerging Markets ER-0.83%
DPIEX 8.00%
Mondrian International Equity ER-0.79%
OBAD 2.00%
Stable Value Fund ER-0.32%
VIPIX 4.00%
Vanguard Inflation-Protected Securities ER-0.07%

VIIIX 24.00%
Vanguard Institutional Index Institutional Pl ER-0.02%


His Company Contribution Plan 15%
BlackRock MSCI ACWI ex-US IMI Index Fund 22.00% ER-0.10%
16.00%
BlackRock Russell 2500 Index Fund ER-0.03%
32.00%
BlackRock U.S. Debt Index Fund ER-0.025%
OOCD 2.00%
RC Stable Value Fund ER-0.34%

VIIIX 28.00%
Vanguard Institutional Index Institutional Pl ER-0.02%

His 401k 23%

FDRXX - Fidelity Gov't Cash Reserves 78.20% ER-0.37%
TUR - iShares MsCI Turkey ETF 3.79% ER-0.62%
VGENX - Vanguard Energy Fund 10.44% ER-0.41%
VGPMX - Vanguard Precious Metals 4.50% ER-0.43%
OXPU - BlackRock us Debt index Fund 3.08% ER-0.03%


His Traditional IRA at Fidelity 1%
Cash


His Roth IRA at Fidelity 0.2%
Cash


Get Rich Quick scheme stock 7%
held for entertainment value

Total = very entry 7 figure.
Here's a start to clear out the clutter. I don't see any need for cash or stable value funds. Buy bonds in their place to fill the bond allocation. Something like BND as an ETF can be purchased most anywhere. An alternate is US Savings bonds. Vanguard and Fidelity both have excellent international funds in the flavor you want, whether all international or just Developed international. For entertainment....honestly.....buy yourself a Porsche. It'll be cheaper in the long run and way more fun.
Bogle: Smart Beta is stupid

jammer45
Posts: 25
Joined: Sat Mar 05, 2011 12:30 am

Re: Need Help Rebalancing

Post by jammer45 » Tue Mar 13, 2018 9:46 am

Thanks for the comments! Unfortunately, I did this late at night and when I pasted these entries over from the spreadsheet now see that I omitted the fund alternatives and now see expanded some of the percentages but not others. Sigh. While I joined some time ago, I can't say that I spend time on the forum regularly.

Since these are 4 different types of accounts with different balances in them, certain options are limited. Agree on the simplification, and will try to update the post with my alternative universe, fix the allocations to balance out and suggest a direction given the feedback. thx.
Last edited by jammer45 on Tue Mar 13, 2018 9:55 am, edited 1 time in total.

Jack FFR1846
Posts: 7631
Joined: Tue Dec 31, 2013 7:05 am

Re: Need Help Rebalancing

Post by Jack FFR1846 » Tue Mar 13, 2018 9:51 am

At the top of your first post, right side, there are 3 nebulous symbols. The farthest left one is supposed to represent "edit". Why it doesn't just have the word "edit"....I have no idea.

How you divide up what you put where certainly depends on what's available and how much it costs. Having all 3 type funds in your biggest 401k/tIRA type account allows you to put only US equities in Roths and taxable accounts. That way, you can rebalance in the big 401k/tIRA.
Bogle: Smart Beta is stupid

jammer45
Posts: 25
Joined: Sat Mar 05, 2011 12:30 am

Re: Need Help Rebalancing

Post by jammer45 » Tue Mar 13, 2018 9:56 am

Got it and thanks, for the quick pointer Jack. Much obliged :-)

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Duckie
Posts: 5884
Joined: Thu Mar 08, 2007 2:55 pm

Re: Need Help Rebalancing

Post by Duckie » Tue Mar 13, 2018 4:46 pm

jammer45 wrote:Age: 51
Desired Asset allocation: 60% stocks / 40% bonds
Reasonable.
Desired International allocation: 40% of stocks
Reasonable.
Taxable Cash 15%
This will shortly be spent down for your house. It is not part of the retirement portfolio.
His Non-Qualified (No Match) 40%
The best options are:
  • VIIIX Vanguard Institutional Index 0.02% -- Large caps, 80% of US stocks
  • N/A BlackRock Russell 2500 Index 0.04% -- Mid/small caps, 20% of US stocks
  • N/A BlackRock U.S. Debt Index 0.03% -- US bonds
His Company Contribution Plan 15%
All excellent options, the best being:
  • VIIIX Vanguard Institutional Index 0.02% -- Large caps, 80% of US stocks
  • N/A BlackRock Russell 2500 Index 0.03% -- Mid/small caps, 20% of US stocks
  • N/A BlackRock MSCI ACWI ex-US IMI Index 0.10% -- Complete international stocks
  • N/A BlackRock U.S. Debt Index 0.025% -- US bonds
Since the "non-qualifed" account doesn't have a low-cost international option, I would use the MSCI ACWI fund for 100% of this account.
His 401k 23%
Of the options listed the only good one is:
  • N/A BlackRock US Debt index 0.03% -- US bonds
What are the other 401k options that you didn't list?
Get Rich Quick scheme stock 7%
held for entertainment value
Do you want this to be part of the retirement portfolio? It's an asset, but is it for retirement?
Do folks see any room for improvement on the allocations in the Non Qualified and Contribution accounts above?
Yes, see above.
I moved the 401K to cash and wanted to re-enter the market. What's the best way? 1/4 per quarter for the next 4? Or wait til a drawdown? The entering over time would ease my angst at going in at the current high prices. The other funds would be merged into a new allocation.
If angst is a problem then do it over time. 1/4 every three months is not horrid.
What lazy portfolio would best complement the above mix from Blooom?
None. The Blooom mix is not good in the first place.
Since I have outside Real Estate, I was thining to avoid REIT's and just move forward with a 3 or 4 fund portfolio here. 30% FSTVX, 30% FTIPX, 40% FSITX. Is there value in adding REIT's, given the rentals?
Since you have actual investment real estate I see no value in REITs.
I'm holding other cash in the taxable account to build a house and will need approximately 20% per month for the next 5 to build. What's a good place to park the funds given the disbursement schedule?
Savings account or just a checking account.

jammer45
Posts: 25
Joined: Sat Mar 05, 2011 12:30 am

Re: Need Help Rebalancing

Post by jammer45 » Tue Mar 13, 2018 9:05 pm

Duckie,

Thank you greatly for the thoughtful reply. I will update shortly with the full list of fund alternatives for all 4 accounts. The 401K has a Brokerage window feature, and so any ETF or Fund available on Fidelity I believe can be bought there.

J

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